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BIMINI CAPITAL MGMT A (BMNM) Financials

BMNM OTC
Trailing 12 months to June 30, 2026
Revenue $21.2M +53.3% YoY
Net Income $6.4M n/m YoY
EPS (Diluted) Not reported for the trailing 12 months
Operating Cash Flow $7.0M +311.9% YoY
Market Cap $27.3M as of Oct 27, 2026
Price / Sales 1.3x on $21.2M revenue, trailing 12 months to June 30, 2026
Price / Earnings 4.3x on $6.4M net income, trailing 12 months to June 30, 2026
Price / Book 2.0x on $13.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 27, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BMNM SEC filings page.

BIMINI CAPITAL MGMT INC A (BMNM) reported $21.2M in revenue over the twelve months to Jun 30, 2026, up 53.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BMNM FY2025

The latest profit recovery comes from a smaller, heavily liability-funded balance sheet, while operating cash flow lags accounting earnings.

The return to profit was helped by tax expense shifting from $3.1M in FY2024 to a tax benefit of $1.3M in FY2025, so the headline earnings improvement was not purely operational. The reported operating-cash-flow conversion was only 49.7%, indicating that accounting profit exceeded cash generation.

The balance sheet contracted, but liabilities fell faster than assets, lifting equity from $6.8M to $12.6M; this improved the capital cushion without changing the business's financing character. Liabilities still represented 90.3% of assets, and debt equaled 2.2x equity in FY2025.

Revenue grew 41.9% while selling, general and administrative costs rose 12.0%, suggesting better expense absorption at the reported revenue level. However, operating cash flow fell to $2.9M even as net income reached $5.8M, while interest expense remained $6.8M.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

BIMINI CAPITAL MGMT INC A does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial
4/6

BIMINI CAPITAL MGMT INC A passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue
$6.6M
YoY+70.3%
QoQ+24.2%
5Y CAGR+17.1%
10Y CAGR+20.4%

BIMINI CAPITAL MGMT INC A generated $6.6M in revenue in Q2 2026. This represents an increase of 70.3% from the same quarter a year earlier. Against the prior quarter it is up 24.2%.

Net Income
$374K
YoY+775.4%
QoQ-53.3%

BIMINI CAPITAL MGMT INC A reported $374K in net income in Q2 2026. This represents an increase of 775.4% from the same quarter a year earlier. Against the prior quarter it is down 53.3%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt
$6.5M
YoY+21.1%
QoQ-60.6%
5Y CAGR-2.4%
10Y CAGR+5.2%

BIMINI CAPITAL MGMT INC A held $6.5M in cash against $27.3M in long-term debt as of Q2 2026.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Shares Outstanding

Not reported for Q2 2026.

Margins & Returns

Net Margin
5.7%
YoY+4.6pp
QoQ-9.4pp

BIMINI CAPITAL MGMT INC A's net profit margin was 5.7% in Q2 2026, showing the share of revenue converted to profit. This is up 4.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 9.4 percentage points.

Return on Equity
2.7%
YoY+2.1pp
QoQ-3.3pp

BIMINI CAPITAL MGMT INC A's quarterly ROE was 2.7% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 2.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

BMNM Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BMNM quarterly income statement
MetricQ2'2610-QQ1'2610-QQ4'2510-KQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Revenue$6.6M+70.3%$5.3M+43.9%$4.8M+47.6%$4.5M+49.4%$3.9M+33.4%$3.7M+35.9%$3.3M+15.7%$3.0M-8.5%
SG&A Expenses$4.8M+71.9%$3.7M+27.4%$3.9M+38.0%$3.0M+13.1%$2.8M+1.3%$2.9M-3.5%$2.8M-26.6%$2.6M+24.8%
Interest Expense$643K-62.9%$1.2M-35.3%$1.5M-22.5%$1.7M-14.1%$1.7M-1.7%$1.8M+1.6%$2.0M+10.5%$2.0M+37.5%
Income Tax$1.3M+19885.8%$217K+19.9%-$1.9M-190.4%$371K-32.3%$7K-94.0%$181K-54.4%$2.1M-53.6%$547Kn/m
Net Income$374K+775.4%$801K+45.0%$3.4Mn/m$1.8M+611.4%$43Kn/m$553K+159.3%-$1.5Mn/m$256Kn/m

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

BMNM Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BMNM quarterly balance sheet
MetricQ2'2610-QQ1'2610-QQ4'2510-KQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Total Assets$64.4M-53.6%$58.5M-61.4%$129.7M-16.2%$139.7M-7.8%$138.7M+15.2%$151.4M+24.5%$154.9M+23.3%$151.6M+23.0%
Cash & Equivalents$6.5M+21.1%$16.4M+274.9%$12.7M+123.9%$9.6M+109.6%$5.3M+8.0%$4.4M+33.0%$5.7M+52.6%$4.6M+20.3%
Accounts Receivable$1.8MN/A$1.7MN/AN/AN/AN/AN/A
Goodwill$4.8MN/A$0N/AN/AN/AN/AN/A
Total Liabilities$47.4M-63.9%$45.0M-68.7%$117.1M-20.9%$130.5M-8.9%$131.3M+16.9%$144.1M+27.1%$148.0M+26.0%$143.3M+29.9%
Long-Term Debt$27.3M-0.1%$27.3M-0.1%$27.3M-0.1%$27.4M-0.1%$27.4M-0.1%$27.4M-0.1%$27.4M-0.1%$27.4M-0.1%
Total Equity$13.8M+85.5%$13.4M+82.0%$12.6M+85.0%$9.2M+11.0%$7.4M-8.1%$7.4M-11.6%$6.8M-16.1%$8.3M-35.9%
Retained Earnings-$316.0Mn/m-$316.4Mn/m-$317.2Mn/m-$320.6Mn/m-$322.4Mn/m-$322.5Mn/m-$323.0Mn/m-$321.5Mn/m

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

BMNM Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BMNM quarterly cash flow statement
MetricQ2'2610-QQ1'2610-QQ4'2510-KQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Operating Cash Flow$2.6M+44.6%$201Kn/m$2.1M-50.0%$2.1Mn/m$1.8M+50.6%-$3.1Mn/m$4.1Mn/m-$1.1M-144.8%
Depreciation & Amortization$195K+1017.1%$17K-6.0%$26K+38.3%$15K-21.2%$17K-8.5%$18K-5.5%$18K-3.6%$19K0.0%
Investing Cash Flow-$12.4M-194.7%$72.2M+2414.7%$15.9Mn/m$4.1Mn/m$13.1M+524.5%$2.9M-18.8%-$6.6Mn/m-$29.5Mn/m
Financing Cash Flow-$197Kn/m-$70.1Mn/m-$14.6M-452.4%-$1.8M-106.0%-$13.8Mn/m-$1.7Mn/m$4.2M-24.3%$30.1M+45.6%
Share BuybacksN/AN/AN/AN/AN/AN/A$0n/mN/A

Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Dividends Paid.

BMNM Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BMNM quarterly financial ratios
MetricQ2'2610-QQ1'2610-QQ4'2510-KQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Net Margin5.7%+4.6pp15.1%+0.1pp69.8%+115.6pp40.6%+32.0pp1.1%+10.6pp15.0%+7.1pp-45.8%8.5%+21.2pp
Return on Equity2.7%+2.1pp6.0%-1.5pp26.8%+48.8pp19.7%+16.7pp0.6%+4.0pp7.5%+4.9pp-22.0%+37.7pp3.1%+6.3pp
Return on Assets0.6%+0.5pp1.4%+1.0pp2.6%+3.6pp1.3%+1.1pp0.0%+0.3pp0.4%+0.2pp-1.0%+2.9pp0.2%+0.5pp
Debt-to-Equity1.99-1.7x2.04-1.7x2.17-1.8x2.96-0.3x3.69+0.3x3.71+0.4x4.01+0.6x3.29+1.2x
Liabilities-to-Equity3.45-14.3x3.35-16.2x9.27-12.4x14.13-3.1x17.71+3.8x19.54+5.9x21.70+7.2x17.22+8.7x
Asset Turnover0.10+0.1x0.09+0.1x0.040.0x0.030.0x0.030.0x0.020.0x0.020.0x0.020.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Frequently Asked Questions

What is BIMINI CAPITAL MGMT INC A's annual revenue?

BIMINI CAPITAL MGMT INC A (BMNM) reported $16.9M in total revenue for fiscal year 2025. This represents a 41.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is BIMINI CAPITAL MGMT INC A's revenue growing?

BIMINI CAPITAL MGMT INC A (BMNM) revenue grew by 41.9% year-over-year, from $11.9M to $16.9M in fiscal year 2025.

Is BIMINI CAPITAL MGMT INC A profitable?

Yes, BIMINI CAPITAL MGMT INC A (BMNM) reported a net income of $6.4M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $5.8M, with a net profit margin of 34.4%.

As of fiscal year 2025, BIMINI CAPITAL MGMT INC A (BMNM) had $12.7M in cash and equivalents against $27.3M in long-term debt.

BIMINI CAPITAL MGMT INC A (BMNM) had a net profit margin of 34.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

BIMINI CAPITAL MGMT INC A (BMNM) has a return on equity of 46.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

BIMINI CAPITAL MGMT INC A (BMNM) generated $2.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

BIMINI CAPITAL MGMT INC A (BMNM) had $129.7M in total assets as of fiscal year 2025, including both current and long-term assets.

BIMINI CAPITAL MGMT INC A (BMNM) had a debt-to-equity ratio of 2.17 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

BIMINI CAPITAL MGMT INC A (BMNM) had a liabilities-to-equity ratio of 9.27 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

BIMINI CAPITAL MGMT INC A (BMNM) had a return on assets of 4.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

BIMINI CAPITAL MGMT INC A (BMNM) trades at 4.3x earnings, its market capitalization divided by $6.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $27.3M as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

BIMINI CAPITAL MGMT INC A (BMNM) trades at 1.3x sales, its market capitalization divided by $21.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $27.3M as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

BIMINI CAPITAL MGMT INC A (BMNM) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

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